Credit, Debt, loans, Saving

Never Have I Ever

People always say it seems like they will always have a car payment.  A car payment is not always a necessary evil – in fact, it is very possible to not have a car payment – like ever again. My husband and I have gotten auto loans for every car we’ve ever purchased.  We’ve always… Read More Never Have I Ever

Budget, Credit, Debt, loans

Auto financing 101

Did you know the average car payment is about $500 month? That the average car loan is for $30,000? And the average loan term is over 5 years? Those statistics can easily be found online but those figures are pretty disconcerting. There are many (MANY) articles (not even kidding – Google it) that suggest that… Read More Auto financing 101

Credit, FICO Score

What is a credit freeze? Do you need one if your information was breeched?

Equifax, one of the three major credit reporting agencies in the U.S., announced a data breach that affects 143 million consumers back in the fall. Because of this they are offering free credit monitoring and the opportunity to see if your information has been compromised. Even if your information has been compromised and you are… Read More What is a credit freeze? Do you need one if your information was breeched?